| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC. | 340 S PINE ST SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 8.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 340 S PINE ST SPARTANBURG, SC 29302 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.39% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | EYEMED VISION CARE | $2K | — | $2K | 13.70% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE | $145 | — | $145 | 1.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC. EIN 57-0718839 TPA ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $22K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER/CONSULTANT FEES | Contract Administrator; Claims processing Service code 12 | — | $0 |
| BCBS OF SC EIN 57-0287419 HEALTH MANAGEMENT | Claims processing; Contract Administrator Service code 12 | — | $0 |
| FIRSTHEALTH EIN 20-1736437 PPO NETWORK FEES | Claims processing; Contract Administrator Service code 12 | — | $0 |
| OCCUNET EIN 27-1563468 PPO NETWORK FEES | Claims processing; Contract Administrator Service code 12 | — | $0 |
| STEINBERG & ASSOCIATES INC. EIN 57-1087976 BROKER/CONSULTANT FEES | Contract Administrator; Claims processing Service code 12 | — | $0 |
| TELADOC EIN 04-3705970 MANAGED CARE PROGRAMS | Claims processing; Contract Administrator Service code 12 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $127K |
| Vision | EYEMED VISION CARE | 172 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $127K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.